Just closed on 4.375 interest rate! nm
Posted By: melanie on 2009-04-01
In Reply to: Mortgage rates - sm.
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Pay off highest interest rate debt first, then the next, and onto the next. The house can wait. Do
dd
If you have any interest in
plants and gardening, I notice that the nursery where I work utilizes volunteers for certain things. You might see if there are any garden nurseries or arboretums in your area that do the same. The fresh air and outside work is fun when you get to work with plants.
interest-only payment
We'll just be paying "interest only" for the house, so that would be around $2700 monthly. Do you think our combined income would be enough for this? If we don't get approved by a finance institution, someone will co-sign for us to get the house.
I know about the no interest loans
I had 2 - one where I moved from previously and still owned and rented that home out and my present home. We got rid of those as soon as humanly possible- those sound good but the interest soon shoots through the roof- this is why all the repossessions going on now. These are only a stepping stone- not for you to keep for years on- you will lose it all. We did not lose but then again we could afford to play around a little- does not sound like you can and you have your hands full.
Of interest to Pet Lovers
Wanted to share a link for an email from my friend in Australia....
Maybe you should keep your legs closed
!!
Closed by subscriber
I don't think it does as long as you make sure they make sure on your report it says "Closed by subscriber"...or something like that.
If it looks like the CC company closed it, then it would look suspicious.
I could be wrong.
You all piqued my interest so I did some research
I had no idea what a french press was, how it's used, or nothin'. I found this site with a picture narrative and even detail on what kind of a grinder to get. Way to much work for me--I can barely operate my Mr. Coffee correctly, never mind one of these bad boys. For you coffee afficionado's though, this looks incredibly fascinating and delicious!
http://www.coffeegeek.com/guides/presspot
and why do you read posts you have no interest in?
Perhaps no life? Grow up!
isn't the interest on that pretty high?
:(
I lost interest - read why
I don't know what it was about it. I absolutely loved the show when it first began. Then the next season it got weirder and kept getting more and more weird. One time I was watching it and all of a sudden everyone was old. I couldn't figure out what it was I missed. I understand that Christian is the father of the boy, who married the girl that Christian was having sex with (the sexy model that Christian fixed from some horrible accident she was in). She ended up being a religious wack, they had a baby, were into drugs big time, mother turned lesbian, assistant in OR turned lesbian. Then not Christian but other main character (whose wife turned lesbian) the lesbian wife took off to another state with the daughter and their baby who had a horrible deformity. They had a "small person" caretaker (what he did to add to the story I don't know). The druggee son who had a gay relationship became a doctor? Whoooo-boy, I just got too confused that I lost interest. It reminded me of how I feel when I watch the show "Lost" - lost. I do like all the actors and actresses though. Have seen them in other shows/movies. They are good but I just don't understand the story anymore.
I have sold some property, not closed on but
get this- the new "owners" have gone in (I was told they wanted to spring clean and thus the realtor gave them keys to the place to do so) and stripped the carpets that were there and also dismantled and took down part of a cabinet. The closing was to take place the first of July. I called the realtor and asked when did spring cleaning turn into renovation. One person had asked about a possible early move-in as their lease ran out today. I told realtor no moving in, nothing else done until closing. No answer from him- no emails answered, nothing. I sent him 1 yesterday saying - oh, never mind, I will check on my property myself either Thursday or Friday morning, hope I don’t find squatters there- guess what folks, now he calls late yesterday evening wanting to know can we close today. Oh, the power of persuasion. Some people really have the nerve!
That's because your mind is closed shut
like a trap.
Typical arrogance this man accused of us - LOOK, CURIOUS minds want to investigate and TRULY understand different cultures.
Unlike you like sucking down the lies the media and your government are handing you 24/7 WITHOUT bothering to see for yourself.
Never occurred to you his DERISION of us/the questioners may have been in the least justified?
Im not defending him, but I'm also not willing to dismiss or comdemn HIM out of hand, just because the powers that be are doing so and encouring us to follow suit.
NO SHEEP HERE.
Closed-minded people..
Did you ever think that perhaps she was using birth control pills, and perhaps even condoms?? You should know that neither of these methods are 100% effective, being in this field. And she is able to take responsibility for her child because she has the finances to do so..she isn't one of these women popping out child after child and living off of the government. I wish people would get off of their high horse and stop scoffing at the girl just because she ended up pregnant at 16. Sure, it might have been a mistake for her, but I don't see why everyone should come down on her when she is obviously doing the right thing. I would hate to see your daughter get pregnant at 16. But I can hear your reply now: My daughter wouldn't be having sex at 16. Or so you think.
Thanks for all your positive help, case closed sm
I am going to close this query now. I have had many wonderful e-mails and help on the board which I can print (well, most) and make a little portfolio for him to get some ideas. His wife has been working double shifts nursing to make ends meet and he has been caring for the kids and doing all to make the holiday reasonably good for them. He's been doing all nighters on researching and the company is very impressed with all the research he's done on his new job and product and are going to travel here to meet him and work with him to get him started, Everyone is positive and anxious to make this new innovative product introduction a success. There are no coincidences and paying it forward has been our family's way of life and we are grateful to all who e-mailed and posted positive little hints to ease the transition, we are from a small rural area and am not familiar with that area. Thank God for good people in the Christmas Spirit. I've helped many on the boards throughout the years under another name and feel fully rewarded. I will continue to pay it forward myself and God bless you great people. We had a death in his wife's family over the holidays which we were unprepared for and travel arrangements, funeral plans, babysitting, eulogy, etc.had to be prepared, and you made our life so much easier and renewed our faith. I will close the subject now, it has been a lesson in life, that's for sure.! The end - Merry Christmas to those who passed on their holiday helping spirit. You helped us through a difficult time. Thanks so much to the helpers (and I made some new wonderful friends.). God Bless!
Case closed on gifts - sm
I received the replies I needed. Thanks to those who understand. Obviously others haven't been there. Gift cards are not acceptable, it is a couple who are very different, as one of them wants "something to open" or a gift they "need" in which case it takes a trip to the store together for what turns into a high ticket item with no regard as to how much it costs. The other is appreciative of everything and anything. The answers I received reflect the personality differences I expected. It takes all kinds. I should know better.
If you are that concerned about a potential love interest
check out abika.com. There are a million ways to find information on someone - for a price. There is no such thing as protected privacy anymore. Remember, though, saavy suitors can find the same information about your mom in the same way. She doesn't have to know you are doing it either. They have one section where all you need is their screen name from one of maybe 3 or 4 of the major dating sites to start a search.
I don't know the answer about the SS benefits.
...tape the bag closed and throw it in outside trash until
s
Yes well at least he's smart enough to do what he's doing behind closed doors. He's no priz
x
homestead (closed in the 60's, AK was last state to allow homesteading)
Point of interest-use older eggs for hardboiled,
x
Bay Bridge is closed for repair work all weekend -
so getting in or out of the city will be a total nightmare. I'm just gonna hang out at home and work on Monday, since I need the $$!
On Sunday there's a big (free!) rock concert at the polo field in Golden Gate Park, honoring the 40th anniversary of the 'Summer of Love' in S.F. in 1967. (Gad - was it THAT long ago?) Lots of the original bands will be there. (Sigh....Too bad Jerry Garcia still isn't around to take part....) So, if I can find a parking-place anywhere in the same zip-code, I may cruise on over there and hobnob with all the old hippies. Should be pretty cool.
(PS: I have a young, hippy-ish friend with a totally amazing tattoo of Jerry Garcia on one of her arms! I know SHE'LL be there for sure!)
The mansions are still here, but the Game Farm closed this spring
n
Negotiate lower interest rates on your credit cards
It’s worth a shot, and some credit card companies might do it if you’ve been a faithful customer or you threaten to balance transfer to another card.Buy a texting plan for your cell phone. Texting has become unbelievably popular. I have no idea why, because it seems like a pain in the butt, but it’s typically 15 cents for every message you send and receive. This adds up, so better off paying $5 to $10 a month for the add-on plan if you’re addicted to texting.
Pay Rate
Hi. I'm interested in finding some doctors in my area to do work for extra income at home. I have 9 1/2 years of experience and work at home for a big national. I have no idea what the going rate would be or even the basis on which to charge (line, page, ???). I live in a rural area so it would probably be low-average. I appreciate any advice anybody could give me on this subject. Thanks.
I think that is more than most - we used to be about that rate (sm)
til things got really bad in our marriage.
Rate MDs
Hey I had posted awhile back regarding my frustrations finding a decent doctor. I came across an article talking about rating doctors on the Internet and it listed the RateMDs.com website. Of course, the AMA and other doctors are all in a huff about patients, God forbid, rating them online. Anyways, I went to RateMDs.com and found a doctor I had been to had already received a poor rating! Hehe I added to it. But I also used it to help me choose a new PCP who had an excellent rating. The receptionist also told me that they have new patients on Thursday and allot more time so they can go over their medical history and issues! Wow I thought, that's awesome. We'll see how it goes. But if any of you have a doctor you hate, like or need to find a new one, go check it out!
It was a nice day outside...we had the garage open but the inside door closed...
that wasn't the point of the question but thanks for your concern...
Wow! $700 is a good rate to go up there.
I can drive to NY and would spend more than $700 in a week. First, ask exactly what is included in the fee and ask the teacher to give you a better answer on the fundraising issue. If no fundraisers are being done, maybe you can offer to run a couple.
I think your plan is a good one. I usually come up with about a third of the cost of my kid's activities. (Only have the 16 yo left at home now.) The rest they earn by working or through fundraisers.
She'll have a great time in NYC!
We cant buy groceries on a cpl pay rate, so I'm trying to come up with one too.
Not really.
They are getting an hourly rate - just $2 is what I tip.
Yes, thanks for the info. At that rate,
we would have to clean ours every month. Taking a shower now is like getting rained on by rocks. We go through a hot water tank every 5 years. Doggonit! Guess I have to wait until we can get either a new well or a water softening system first. <sigh>
Hang on, though. The rate could have changed...sm
If any payments were late (or missed), the rate could have gone up astronomically for the OP. They may well have gone up and up. It's probably in the fine print of the card agreement that that will happen automatically with late payments.
And I have heard financial experts say that it's not a good idea to call and cancel a card if you still have a balance on the card, because then you have no way to negotiate with them. Though it doesn't sound like any negotiating was able to happen in this case, you're supposed to keep asking for the person's supervisor (and their supervisor, if necessay), and be persistent, until you get to talk to someone who can help you with lowering the rate and maybe waiving some of the fees.
Then I would apply for another card with a lower rate (and make darn sure you don't make any payments late or miss any payments!) and transfer that WA MU balance over (and ask if they can wave the transfer fee when you apply for the new card).
BTW, I recently applied for a credit card with WA MU because the offer was for 0% interest for 15 months on balance transfers, and the person was definitely in India. Every time I interruped him to ask him a question, it was like he then had to start over reading his "script" but I could understand him.
I asked if he could wave the balance transfer fee, and he said he was unable to do that. I didn't persist or ask to speak to his supervisor, but I should have. According to the experts, the time to negotiate is before they have your business. After they have you as a customer, they aren't so interested!
My property tax rate stays low
because there are so many mansions in my town. There is a house on the market right now for $23 million, plus lots of others in the 5-10 million dollar range. What is really sickening is that these are second or even third homes for some people. But they are paying such high taxes, it really takes the burden off us little guys who live way, way, way on the other side of the tracks.
Would you also want your income taxed at the 40% rate?
At one time England did that. The friends we had in Cananda said they were taxed to death on their income, but they were pretty pleased with their healthcare. There is no easy solution.
I got a fixed-rate mortage through
They kept my note through the life of the loan and didn't parcel it off to some other lender. I also had a decent down payment saved up which helped a lot.
I get a bit of real-estate sticker shock too when I see what friends and family have paid for their homes in other parts of the country.
I purchased my home for $86,000. The original asking price was substantially higher, but it sat on the market for quite a while and they had lowered the asking a few times. I think they were just glad to finally get it sold. I have 1600 sq. ft, 3 bedrooms, 1-1/2 baths, dining room, living room, and partial basement. It was built in the mid 70s, so the rooms are not too small like some of the older homes. But it is not as spacious as the open floor designs that are popular today.
Are they adults? No. R-rate means under 17 not allowed. sm
Easy answer.
I know they told me 50 and I collect now at the same rate I collected
after his death when the children were little. However, I was 49 when the youngest turned 16, so I had to wait 1 year to re-collect. The laws may have changed since her situation, but I know this is true for me and I have no other extenuating (?) circumstances.
Check out HGTV.com Rate My Space (sm)
Regular people redoing their homes upload pics and others comment on them. It's very fun to see all the rooms, and you can get some very good ideas for designing and decorating your own space.
Flate Rate Priority Mail
Yes, thanks for posting this! I did not realize that domestic rates apply (8.95) when shipping to FPO and APO. Awesome!
I suppose I related to the rate of capital punishments
xx
How many hershey's kisses fit into a priority flat rate mail box? sm
Apparently, there is a contest going on about this. what would you say? Just curious. I have a guess, but I'm going to keep mine secret! shhhh hahahah
and the crime rate dropped 20 years after abortion was legalized
x
At that rate, I could make in a week what I make
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